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The implementation of financial technology (FinTech) has significantly transformed the banking sector in Indonesia, impacting the quality and accessibility of services offered. This study examines the strengths, weaknesses, opportunities, and threats (SWOT) associated with the adoption of FinTech in the banking industry. Using a qualitative approach, data was collected from industry reports, case studies, and expert interviews to provide a comprehensive analysis. The results highlight several strengths, including improved efficiency, enhanced customer experience, and expanded financial inclusion. However, weaknesses such as high operational costs and cybersecurity risks remain prevalent. Opportunities for growth lie in the increasing digital literacy and government support, while threats include intense competition and regulatory challenges. This study concludes that while FinTech presents significant potential to elevate banking service quality in Indonesia, its success depends on addressing key challenges through strategic innovation and robust policy frameworks.

In the cracker production process at UMKM Kerupuk Subur, the process of drying crackers involves human labor so there is a risk of injury because when drying crackers, workers have to bend and squat. This study aims to determine the occupational dangers of workers during the drying process of crackers in UMKM Kerupuk Subur and provide recommendations for improvement. The method used to analyze body posture is Rapid Entire Body Assessment (REBA) then for improvement recommendations using an anthropometric approach with percentile calculations to determine dimensions as parameters for designing the work aids needed in the form of an ergonomic drying table. The results of REBA's analysis show a score of 9 with a high or high level, meaning there is a high risk of injury so immediate improvement is needed. The results of the design of an ergonomic drying table were then simulated through Inventor software which described the position of the worker's posture when carrying out cracker drying activities with a perpendicular working position. The results of the assessment of the working posture of the worker after the improvement showed a decrease in the risk level from medium to low and negligible.

The COVID-19 pandemic marked a significant turning point in the global church's approachto mission and ministry, particularly through the adoption of digital spaces. The rapid shift to digitalplatforms was not merely a practical adaptation but reflected a deeper transformation in how thechurch understands presence, community, and engagement in the world. This article aims to examinehow evangelism and discipleship practices have evolved in digital forms in the post-pandemic context,and to explore the theological and ethical implications of "digital presence" within contemporarymissiology. Using a practical theology approach, this study employs literature analysis, theologicalreflection, and case studies from digital church practices as its primary methods. The main findingsreveal that evangelism has shifted towards creative digital content targeting digital-native generations,while discipleship is increasingly practiced through online communities and digital spirituality. At thesame time, the study identifies key issues such as the validity of digital sacraments, the risk of faithcommodification, and the challenge of fostering authentic relationships in virtual spaces. This articlesynthesizes the idea that digital mission represents a new form of incarnational ministry in the digitalage, calling for a hybrid ecclesiology that integrates both physical and digital presence. In conclusion,digital mission is not simply a crisis response to the pandemic but a long-term theological and strategictransformation in how the church participates as the Body of Christ in a digitally connected world.

This study investigates the impact of real and accrual earnings management on idiosyncratic risk, with a focus on the moderating role of good corporate governance, proxied by managerial ownership, in manufacturing firms listed on the Indonesia Stock Exchange from 2020 to 2022. Using moderated regression analysis, the findings reveal that both real and accrual earnings management practices negatively affect idiosyncratic risk, suggesting that earnings management may serve as a risk mitigation tool under efficient contracting perspectives. However, managerial ownership exhibits divergent effects: while it strengthens the risk-reducing impact of real earnings management, it unexpectedly amplifies the idiosyncratic risk associated with accrual earnings management, potentially due to managerial motivations to meet financial targets. These results highlight the complex role of corporate governance in earnings management, as it may act as both a stabilizing and risk-amplifying factor depending on the type of earnings management practiced. The study underscores the need for stakeholders to critically evaluate earnings management and corporate governance practices, while encouraging future research to include additional variables to further explain idiosyncratic risk determinants. The study's Adjusted R Square value of 8.1% indicates that other significant factors affecting idiosyncratic risk were not captured in this analysis.

The purpose of this study was to test and analyze the effect of GRC and Intellectual Capital on firm value through financial performance in banking companies. The population in this study are all banking companies listed on the Indonesia Stock Exchange for the 2021-2023 period. Sampling using purposive sampling method. The data used is secondary data sourced from annual reports and financial reports. The data analysis technique used in this research is the SmartPLS 4 program. The results of this study indicate that GRC has no significant effect on financial performance and firm value, Intellectual capital has no effect on firm value but intellectual capital has a significant and positive effect on financial performance. Furthermore, financial performance has no influence on firm value. GRC mediated by financial performance has no effect on firm value.  Intellectual Capital mediated by financial performance has no effect on firm value.

This study aims to design an effective cash accounting information system for an agrotourism hotel in Batu City. The data collection methods used are field studies and literature review, employing techniques such as observation, interviews, and documentation. The important significance of this research is to enhance the cash receipt procedures for hotel room rental payments by incorporating additional digital payment methods through e-wallets and QRIS, thereby increasing transaction efficiency that benefits both the hotel and consumers. The significant importance of this research is to enhance the efficiency of payment transactions, making it easier for both the hotel and consumers. The qualitative analysis in this study aims to improve the accuracy of cash recording, reduce the risk of errors and misuse of funds, enhance internal control, broaden payment options, and provide practical guidance for hotels and consumers regarding payment and cash receipt procedures. With improved cash receipt procedures, the hotel will be better prepared to meet consumer needs and increase competitiveness in response to changes.

The Keuliling Dam has an important role in meeting water supply needs in the surrounding area. After operating for more than 10 years, an evaluation of operation and maintenance performance is required to ensure its continued function. This research aims to analyze the condition of the Keuliling Dam through assessing the condition index for each dam component based on primary and secondary data. The assessment is carried out by providing a condition index value that reflects the level of damage to the safety aspects and environmental performance of the dam. The results of the analysis show that the condition index value for the Keuliling Dam is 4, which is included in the minor damage category. This condition indicates the need for maintenance action to prevent further damage. Based on observations, deposition of material and rubbish is one of the main problems that affects dam performance. This research provides an important basis for managers in determining strategic steps to improve the performance of dam operations and maintenance. The evaluation carried out aims to ensure that the Keuliling Dam can continue to function optimally, support water supply, and minimize the risk of more serious damage. It is hoped that the recommendations from this research can become a reference in managing dams effectively and efficiently.

Colostrum is the first fluid secreted by the mammary glands. The highest content in colostrum is antibodies that are ready to protect the baby when the baby is still very weak. The protein content in colostrum is higher than the protein content in mature milk. The purpose of this study was to analyze the factors of colostrum administration to postpartum mothers in Kayu Kul Village, Pegasing District, Central Aceh Regency in 2022. The method in this study is an analytical research type with a research design using cross-sectional, namely a study in which variables including risk factors and variables including effects are observed at the same time. This study uses data taken retrospectively. This research was conducted in Kayu Kul Village, Pegasing District, Central Aceh Regency in 2022. The population in this study was 35 people, then the sample was part of all the objects studied and was considered to represent the entire population (Notoatmodjo, 2015). The number of samples used was 29 people using the Accidental Sampling technique. Data collection techniques using questionnaire sheets and respondent observation sheets. Data analysis techniques using the chi-square statistical test show that the p-value shows that p = 0.005 which means Ho is accepted (p value <0.05), so it can be concluded that there is a significant relationship between the knowledge category and the provision of colostrum. Conclusion: This study means that there is a significant relationship between the factors of Knowledge, Family Support, Support, Information Sources, Parity, Role of Health Workers, Provision of Colostrum in Kayu Kul Village, Pegasing District, Central Aceh Regency in 2022.

Hypertension is difficult for sufferers to realize because it has no specific symptoms. Hypertension in the elderly is a problem that is often found in the elderly today. One of the life habits that contributes to hypertension includes smoking and work history as triggers for hypertension in the elderly. The aim of this study was to determine the relationship between smoking behavior and work history with the incidence of hypertension in the elderly at the Internal Medicine Clinic, Graha Husada Hospital, Bandar Lampung. This type of quantitative research uses an analytical survey research design and a cross-sectional approach. The research was carried out in October 2024 at Graha Husada Hospital in Bandar Lampung. The population in this study was elderly people who suffered from hypertension with a sample size of 64 respondents. The sampling technique in this research used purposive sampling. The instruments used were questionnaires, blood pressure monitors and stethoscopes to measure blood pressure. Data analysis used the chi square test. The results of this study show that there is a relationship between smoking behavior with a p-value <0.001 (<0.05) and work history with a p-value <0.001 (<0.05) on the incidence of hypertension in the elderly. It is hoped that hospitals can provide reading media to increase patient awareness by socializing smoking behavior and reducing heavy work or doing friendly or light work so as not to trigger an increase in blood pressure.

One of the government's steps to reduce maternal and infant mortality rates starts from adolescence by giving blood-boosting tablets to pregnant women Anemia is defined as a low hemoglobin (Hb) concentration in the blood. The high coverage of giving 90 Fe tablets to pregnant women does not guarantee a reduction in anemia if adherence to Fe tablets is still low. The research aims to determine the relationship between the level of compliance with the consumption of Fe tablets and the incidence of anemia in third trimester pregnant women. The observational research design uses a cross-sectional design. The research sample of third trimester pregnant women at Bhayangkara Banjarmasin Hospital consisted of 25 respondent. Sampling used Random Sampling technique. Data analysis includes univariate analysis and bivariate analysis using the Chi-Square statistical test. The statistical test results showed that there was a relationship between the level of compliance with the consumption of Fe tablets and the incidence of anemia in pregnant women in the third trimester at Bhayangkara Hospital, Banjarmasin. The lower the mother's level of compliance with taking Fe tablets, the greater the risk of developing anemia. The results of this study were that the majority of respondents studied had non-compliance in consuming blood supplement tablets (28%) and respondents who experienced anemia were (72%). The result was a p value <0.01, so there was a relationship between adherence to iron consumption and anemia. Respondents who did not comply with iron consumption had a 25.0 times greater risk of anemia. The conclusion in this study is that there is a relationship between compliance with Fe tablet consumption in TM III pregnant women and the incidence of anemia at Bhayangkara Banjarmasin Hospital.

Education plays an important role in the development of human resources, promoting social capabilities, and the development of individuals linking them to society and the environment. Islamic education, in particular, aims to instil spiritual and ethical values and develop learners' scientific knowledge.  This study explored the effect of the Ibrah Mauidzah Qur'anic Storytelling Method on students' spiritual intelligence and learning activities at MTsN 1 Agam. The correlational quantitative research method was used to test the research hypothesis. the type of research used is correlational. It is a study that looks for the relationship between the independent variable and the dependent variable with a sample of 35 students obtained using the accental sampling technique. The results of the analysis show that the Ibrah Mauidzah Method has a significant effect on increasing students' spiritual intelligence and learning activities. The tcount values for spiritual intelligence and learning activity were 3.076 and 3.779 respectively, both greater than the ttable of 2.034, with a p-value <0.05. These findings indicate that the method is effective in improving understanding and appreciation of religious values, as well as increasing student engagement in the learning process. This research confirms the importance of integrating moral and spiritual approaches in education to achieve a balance of students' intellectual and spiritual development.  

In today's era, there are already many companies that have been established, from urban to rural areas, various companies have been established, especially companies that provide daily necessities such as supermarkets. And each company competes with each other in selling its products with the expected results. In this study, researchers use data to support this study. Because sales of goods or product stock can be calculated in sales results, the higher the sales, the higher the risk that will be faced. This study aims to apply data mining in analyzing sales results that occur in supermarkets. And to find out its impact on sales. This researcher uses the KNN method, by looking for test results with this method which will be implemented using the Rapid Miner application which will later produce the results of its analysis.

Natural disasters such as earthquakes, hurricanes, and floods pose significant risks to critical infrastructure. AI-driven disaster response systems provide real-time analytics, predictive modeling, and automated response strategies to mitigate damage and improve recovery efforts. This paper explores how AI-powered drones, satellite imagery, and sensor networks enhance disaster monitoring and decision-making. Additionally, the study discusses the role of AI in optimizing emergency resource allocation and predicting infrastructure vulnerabilities. Through an analysis of past disaster management strategies, this research aims to propose AI-integrated frameworks that enhance disaster preparedness and resilience.

In today's era, there are already many companies that have been established, from urban to rural areas, various companies have been established, especially companies that provide daily necessities such as supermarkets. And each company competes with each other in selling its products with the expected results. In this study, researchers use data to support this study. Because sales of goods or product stock can be calculated in sales results, the higher the sales, the higher the risk that will be faced. This study aims to apply data mining in analyzing sales results that occur in supermarkets. And to find out its impact on sales. This researcher uses the KNN method, by looking for test results with this method which will be implemented using the Rapid Miner application which will later produce the results of its analysis.

This study aims to analyze the maintenance strategy of railway lines in West Sumatra using the Life Cycle Cost (LCC) approach to determine the most economically efficient and sustainable maintenance option. The main issues raised are the high cost of reactive maintenance and the risk of operational disruption due to track damage. The research method involved collecting construction, operational, and maintenance cost data from railway operators, as well as LCC-based scenario simulations to compare preventive and reactive maintenance strategies. The results of the analysis show that the preventive maintenance strategy results in lower total life cycle costs, compared to the reactive strategy. In addition, the preventive strategy also supports operational sustainability by minimizing the risk of service disruption and improving user safety. SWOT analysis shows that LCC implementation has great potential to improve budget efficiency and support local economic growth, although challenges such as data limitations and natural disaster risks need to be mitigated. This research concludes that an LCC-based approach can be the basis for designing more effective, efficient and sustainable railway maintenance policies. Recommendations include prioritizing preventive maintenance, using monitoring technology, and strengthening supporting policies.

This study aims to evaluate the effect of capital structure, risk management, dividend policy, and company size on the growth of banking companies listed on the Indonesia Stock Exchange during the 2019-2023 period. Using a quantitative approach and Partial Least Squares (PLS) analysis method, the research data was obtained from the company's financial statements and the official website of the Indonesia Stock Exchange. The results showed that capital structure has a significant negative effect on risk management, but does not have a significant impact on firm growth. Risk management shows a positive influence on firm growth, although not significant. Dividend policy has a significant negative effect on risk management and has no significant impact on firm growth. On the other hand, firm size shows a significant positive effect on risk management, but not significant on firm growth. These findings emphasize the importance of balance in capital and risk management to support firm growth. This study contributes to the financial management literature and offers practical insights for banking firms, investors, and regulators in an effort to support the growth of the banking sector in Indonesia.

This research aims to examine the management of environmental risks arising from the use of fossil energy and strategies for transitioning to green energy in the business sector. The main focus of the research is to analyze the managerial role in facing environmental regulatory challenges, as well as how leaders and managers can develop a culture of sustainability within the organization. This research uses a qualitative approach with in-depth interview techniques and document analysis on large companies in the industrial and manufacturing sectors that have adopted or are transitioning to green energy, in the period June-September 2024. The results show that companies that successfully reduce environmental risks have a clear and strong energy transition strategy, including investments in green technology and managerial training related to sustainability. The biggest challenges faced are government policy uncertainty and the high costs involved in green energy implementation. In addition, this study also highlights the important role of visionary leaders and competent managers in driving organizational culture change towards sustainability. The implication of this research is the importance of a proactive, innovative management approach and compliance with environmental regulations in the face of green energy transition.

Natural disasters such as earthquakes, hurricanes, and floods pose significant risks to critical infrastructure. AI-driven disaster response systems provide real-time analytics, predictive modeling, and automated response strategies to mitigate damage and improve recovery efforts. This paper explores how AI-powered drones, satellite imagery, and sensor networks enhance disaster monitoring and decision-making. Additionally, the study discusses the role of AI in optimizing emergency resource allocation and predicting infrastructure vulnerabilities. Through an analysis of past disaster management strategies, this research aims to propose AI-integrated frameworks that enhance disaster preparedness and resilience.

Online gambling has become a rapidly growing social issue supported by advancements in digital technology, particularly in Indonesia, with its large population of internet users. Despite being legally prohibited, its popularity continues to rise, creating challenges for law enforcement and significant socio-economic impacts. This study aims to analyze the social and economic dynamics of online gambling actors using a descriptive qualitative method. Data were collected through in-depth interviews and document analysis, then analyzed using thematic coding techniques. The findings reveal that actors, such as Koh Jimmy, learn deviant behaviors through exclusive online communities that provide operational techniques and moral justification. Economic motivation, social support, and gambling systems designed to induce addiction are key drivers of actor involvement. Although aware of legal risks, actors remain engaged due to community influence and substantial financial gains. This study underscores the relevance of differential association theory in explaining actor involvement in online gambling and provides recommendations for preventive policies through technological oversight, social education, and the strengthening of social norms. The results are expected to serve as a foundation for formulating more effective preventive and intervention measures.  

Unemployment issues arise due to an imbalance between the labor force and available job opportunities, as well as a mismatch of skills. This situation prompted the government to introduce the Pre-Employment Card Program, aimed at enhancing skills through job training and incentives. This study seeks to analyze the influence of variables such as training programs and incentives under the Pre-Employment Card Program, educational level, work experience, reservation wage, age, and gender on the duration of job searching in Semarang City. The research adopts a quantitative approach, focusing on respondents who have participated in the Pre-Employment Card Program in Semarang City. The analytical method employed is multiple linear regression analysis (Ordinary Least Squares). The findings indicate that the training programs and incentives from the Pre-Employment Card Program, educational level, and reservation wage have a significant impact on the duration of job searching in Semarang City. Conversely, work experience, age, and gender do not significantly influence the job search duration. The independent variables collectively explain 43.32% of the variation in job search duration, while the remaining 56.68% is attributed to other variables outside the research model.